Your Best Interest at Heart

FICO® Score Boost

You don’t have to cut up your cards or close accounts, and after you pay off your balances with the Payoff® Loan, your credit score can increase by 40+ points!*

A Decision That Pays Off

Paying off your credit cards is one of the best investments you can make. With the Payoff Loan, you may pay less interest, get out of debt sooner and build your savings faster.

Personal Support Along the Way

No matter what part of the process you're in, our Member Experience Team is here in our California office ready to help you along your journey of paying off your credit cards.

* Based on a study of Payoff Members between February 2017 and July 2017. Payoff Members, who paid off at least $5,000 in credit card balances, saw an average increase in their FICO® Score of 40 points within four months of receiving the Payoff® Loan. Individual results may vary.

We Made the Process Simple

We don't like jumping through hoops anymore than you do. So we made it easy, straightforward and quick to apply.

Check Your Rate

Check Your Rate

There are no application fees or commitments, and it does not impact your credit score.

Receive Your Funds

Receive Your Funds

5 / 5 Stars on Lending Tree

4.7 / 5 Stars on Credit Karma

What Our Members Say

Easy online application. Wonderful, personal service from start to finish. Real people who care about making you comfortable along the way. I cannot say enough about how great this experience and the people at this company were.

Going to Payoff was the best decision of my life. I have control and can breathe again. The whole process was very easy. I just want to thank the ladies and gentlemen at Payoff for giving me the help and boost I needed.

Payoff is one of the best companies I've ever dealt with in timeliness and communication. I feel that there's someone with me at every step, who is as invested in my success as I am. They are true to their motto of changing the way you view credit debt.

What We're About

Real People. Real Heart.

Our Member Experience Team is front and center in our California office. From calls (or email or chat if you prefer) to personal notes, we’re committed to your success and creating a personal experience.

Credit Cards

About Us

More

Payoff works with lending partners to ultimately originate loans. Information about our Lending Partners, including their
address, financial institution type and charter, as well as links to their websites and privacy policies can be found on
our Lending Partners page.
Individual borrowers must be at least 18 years old and have valid social security and a valid checking account.
All loans are subject to credit review and approval. Your actual rate depends upon credit score, loan amount, loan term, credit usage and history. Currently loans are not offered in: MA, MS, NE, NV, OH, and WV. Our mailing address is: Payoff, Inc., 3200 Park Center Drive, STE 800, Costa Mesa, CA 92626.